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Every figure is the limit stated in that insurer's current wording; the best in each row is highlighted (for excesses, lower is better). Cells also show where cover has no set cap, where it's not covered, or where our wording doesn't say — see the key below the table.
Every trap in your insurer's wording
Open a single insurer to see its traps, where its cover is capped, and which rival covers you better.
Drawn from published New Zealand policy wordings held in the Inuio corpus and refreshed monthly. Wordings, limits and tiers change and vary by policy and cover level — this is general information to help you read your own policy, not financial advice. Always verify against your current wording and insurer.